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Small Business Insurance in Kansas

Kansas is an ideal state to start a business because of its tax incentives and economic diversity. However, no matter what stage your business is in, protecting it against the risks of unanticipated lawsuits, employee disputes, workplace accidents, and other situations is of the utmost importance. As a small business owner in the "Sunflower State,"you might face certain challenges that business owners in other states don't face. With a small business insurance through AmVenture Insurance Agency, Inc., you can remain focused on running your business - even if an unfortunate situation arises.

Insurance Plans for Small Businesses in Kansas

Because you've put so much hard work into running your business, you deserve to have the proper amount of insurance coverage to protect it. The types of insurance coverage you'll need to safeguard your resources will largely depend on:

How many employees you have

Whether you conduct your business from property you own or lease

What type of services you offer

In Kansas, if you have employees, you're required to provide them with workers' compensation insurance coverage. Additionally, if you use vehicles for business purposes, you should have commercial auto insurance. However, these insurance coverage plans are designed for specific risks, and it's important to consider safeguarding your assets with other small business insurance coverage options.

Workers' Compensation Insurance in Kansas

Workplace accidents, injuries, and illnesses occur all too often, and workers' compensation insurance can be there to help protect your business and your employees if an incident arises. For example, if you own a cleaning company, and one of your employees suffers a long-term illness after being exposed to a chemical your business uses, he or she may receive compensation for:

Treatments for the injury

Prescription drugs

Hospital fees

Recovery expenses

What Additional Types of Insurance Coverage Should I Have?

Besides workers' compensation insurance, there are other coverage options your small business might need, even if they are not mandatory. Your insurance coverage requirements will depend on your business' makeup, but common types of small business insurance include:

1. General Liability Insurance: As hard as you try, you can't always keep your customers happy. If your business is threatened with a lawsuit, general liability insurance may help. It can potentially cover claims of property damage, personal injury, advertising discrepancies, and other covered accusations.

2. Commercial Property Insurance: In the state of Kansas where tornadoes are a naturally occurring event on a year-round basis, protecting the property you own or lease if of crucial importance. Imagine how catastrophic it could be if strong winds rip off part of your roof, or if your building becomes significantly damaged by a fire. With commercial property insurance, you could receive assistance with paying for the costs of repairs or replacements if your building or business' assets become destroyed or damaged.

3. Businessowner's Policy (BOP): A BOP typically combines the benefits of property insurance and general liability insurance into a singular policy. If you're unable to carry on with business as normal after a covered catastrophic event occurs, the policy could help you recover financially until you're able to return to your normal business activities.

How Can I Purchase Small Business Insurance in Kansas?

At AmVenture, we know that the amount of insurance coverage you'll need will be determined by the type of business you run. We aim to help you buffer your assets against the multitude of risks you face on a daily basis while ensuring that you receive affordable rates. Begin the process of protecting your business today by giving us a call.